Chad K. Carter Mortgage Loan Officer

09/02/2026

Looking to buy a home in Kentucky with little to no money down?

A USDA home loan may offer 100% financing for qualified buyers, meaning no down payment may be required. USDA loans can also allow the seller to contribute toward eligible closing costs and prepaid expenses, helping make homeownership more affordable.

🏡 USDA isn’t just for first-time homebuyers, and many areas throughout Kentucky may qualify. Income and property eligibility requirements do apply.

📲 Want to know if you or a property may qualify? Give me a call or start your pre-qualification today.

Chad K. Carter | Mortgage Loan Originator
📞 270-776-1728
🌐 applywithchadcarter.com
NMLS #430685

USDA financing is subject to borrower, property, income, and program eligibility. 100% financing does not mean no closing costs.

08/31/2026

🇺🇸 YOU SERVED. NOW LET YOUR VA BENEFITS WORK FOR YOU. 🇺🇸

If you’re a Veteran, Active-Duty Service Member, or eligible National Guard or Reserve member, a VA Home Loan could be one of the most powerful benefits available to you.

🏡 Up to 100% Financing
💰 No Down Payment for many eligible buyers
🚫 No Monthly PMI
📉 Competitive Interest Rates
⭐ No Prepayment Penalty

Whether you’re buying your first home or your next one, I’d be glad to help you understand your eligibility, review your Certificate of Eligibility (COE), and see what options may be available.

📲 Chad K. Carter | Mortgage Loan Originator
270.776.1728
NMLS #430685
applywithchadcarter.com

🇺🇸 Honoring service. Helping heroes home.

07/29/2026

Clear answers. Trusted guidance. The right mortgage path.

Whether you’re buying your first home, your next home, building, or considering refinancing, I’m here to help make the mortgage process simple, straightforward, and easier to understand.

I’d be happy to talk through your options and help you find the best path for your home financing needs.

Chad K. Carter
Mortgage Loan Originator
270-776-1728
applywithchadcarter.com
NMLS #430685

07/01/2026

I truly enjoyed stopping by Town & Country Realty and visiting with their team. I appreciate the warm welcome and the opportunity to discuss the home loan financing options available to help their clients purchase or build a home.
Building strong relationships with local real estate professionals is an important part of providing clients with clear guidance and a smooth mortgage experience. I look forward to working with the Town & Country Realty team and helping more families achieve their homeownership goals.
Chad K. Carter
Mortgage Loan Originator | NMLS #430685
First Financial Bank
Phone/Text: 270-776-1728
APPLYWITHCHADCARTER.COM

First Financial paid us an unexpected visit today, and we are grateful for the opportunity to meet with them at Town & Country Realty. They demonstrated considerable knowledge regarding home loan financing.

06/05/2026

It was an honor to be part of the SERVPRO First Responders Golf Scramble today. Great event, great people, and an even greater purpose — supporting and thanking the men and women who serve and protect our communities every day.

Thank you to all first responders for your service, sacrifice, and dedication. We appreciate you!

06/03/2026

Love this Alvaton home shared by Linda Moore?

Don’t let it slip by while you’re waiting to sell your current home.

QuickMove Home Loan highlights:
• Purchase your next home before your current home sells
• Down payments as low as 5% for eligible borrowers
• Expanded qualifying ratios may be available
• Use proceeds from your home sale later to help lower your new payment

I’d be happy to talk through your options and see what may work best.

Chad Carter
Mortgage Loan Originator
NMLS #430685
270.776.1728
applywithchadcarter.com

Loan approval is subject to credit and underwriting approval. Program guidelines, restrictions, and qualifications apply. This is not a commitment to lend.

240 Cross Creek Court is a home for sale for $598,500 in Alvaton, KY, 42122 and is located in the Warren County area. This home is around 3,359 sqft. and is located on a 1.02 acre lot and features 4 bedrooms and 3.0 bathrooms with a 2 car garage.

06/03/2026

Asher Sullivan has a beautiful executive lake estate listed in Albany, KY, and this is truly a unique property with incredible space, detail, and amenities.

For buyers looking at a higher-end property like this, I wanted to mention that I do have mortgage options that may be a great fit, including our Medical Professional Mortgage Program and our Professionals Mortgage Program.

These programs are designed to help qualified professionals with flexible financing options, and they can be especially helpful when looking at larger loan amounts or unique properties.

If you are a medical professional, CPA, financial advisor, educator with a Ph.D., architect, attorney, or other qualifying professional, I would be happy to talk through the options and see what may work best.

Feel free to reach out anytime with questions.

Chad Carter
Mortgage Loan Originator
NMLS #430685
270.776.1728
applywithchadcarter.com

05/20/2026

Trying to get your ducks in a row to purchase a home?

Whether you’re buying your first home, your next home, or simply planning for the future, I’d be happy to help you explore your mortgage options, understand the process, and feel prepared to move forward.

Clear answers. Trusted guidance. The right mortgage path.

Give me a call today or start your application online.

Chad Carter
Mortgage Loan Originator
NMLS #430685

270-776-1728

applywithchadcarter.com

Equal Housing Lender

Loan approval is subject to credit and underwriting approval, verification of income and assets, a first mortgage lien, and a satisfactory property appraisal. Borrower contribution may be required. Rates are subject to daily market changes. Other restrictions may apply. Contact your lender for full details.

05/09/2026

Congratulations to Jake and Taylor on the purchase of your beautiful new home! 🏡

It was truly an honor to be part of this special milestone for your family. Wishing you many years of happiness, love, and wonderful memories in your new home!

Thank you for trusting me to be part of your homeownership journey.